scottygees UE diary

[scottygees]

Can you first clarify if the £4k successfully claimed was paid to your partner or to someone else?

Earlier this year there seems to have been a parting of the ways between Allay Claims Ltd and Allay Claims which may complicate matters. https://www.allay.co.uk/

(I'll ask a Mod to move your thread or you can start a new thread of your own in the Reclaiming Sub-Forum here > https://all-about-debt.co.uk/forum/d...ain/reclaiming )

Di

Di

Are you also able to get the Mod to remove these entries from my diary?

Thanks

[scottygees]

Paul can you not hijack my diary and start your own please. Thanks

[PlanB]

The £4,746 was paid by Barclays in a cheque made out to XXXXXX XXXXXXX.
I think Allay generally have shifted all their possible debt claims to AJJB Law.

I've anonymised the name of your partner in your post to protect her identity.

I think you are saying she was sent a cheque direct by Barclays for the refund but had no idea a PPI claim had been made. Did it come out of the blue or had there been any correspondence or communication with anyone such as Alay or Barclays prior to the cheque being sent/received?

Maybe send a SAR to both Allay and Barclays to see what really went on behind her back?

Can you also clarify whether you have already received a Letter of Claim which would include a Reply Form of several pages with Boxes A, B, C or D to tick, plus an Income & Expenditure Form to complete.

Di

[paul abbott]

The £4,746 was paid by Barclays in a cheque made out to XXXXXX XXXXXXX.
I think Allay generally have shifted all their possible debt claims to AJJB Law. Allay clearly had very little success with them and perhaps are hoping that a more legal sounding firm may bully people into paying.
Sorry, but don't quite follow your note about starting a new thread....

[PlanB]

I hope I am starting my query in the right place.....

my partner who has been a victim of a possibly fraudulent claim for PPI compensation by a Claims Management Co called Allay Claims Ltd. They have bombarded her with texts and emails demanding payment of a fee for making a successful PPI claim against Barclays in March 2020. The claim was successful, in the sum of £4,746, but the strange thing about it was that Allay Claims Ltd had absolutely no authority to act on her behalf.

Can you first clarify if the £4k successfully claimed was paid to your partner or to someone else?

Earlier this year there seems to have been a parting of the ways between Allay Claims Ltd and Allay Claims which may complicate matters. https://www.allay.co.uk/

(I'll ask a Mod to move your thread or you can start a new thread of your own in the Reclaiming Sub-Forum here > https://all-about-debt.co.uk/forum/d...ain/reclaiming )

Di

[paul abbott]

I hope I am starting my query in the right place.....I am acting on behalf of my partner who has been a victim of a possibly fraudulent claim for PPI compensation by a Claims Management Co called Allay Claims Ltd. They have bombarded her with texts and emails demanding payment of a fee for making a successful PPI claim against Barclays in March 2020. The claim was successful, in the sum of £4,746, but the strange thing about it was that Allay Claims Ltd had absolutely no authority to act on her behalf. When we challenged them about this they produced an electronic copy of a digital 'letter of authority' which had a completely unrecognizable version of her signature. This is the sole piece of evidence they have for the basis of their fee claim and as far as we are aware this just does not add up to sufficient proof to support an instruction to proceed with the claim.

We have come to the conclusion that somehow Allay Claims Ltd gained access to personal details of Barclays customers likely to have been mis-sold PPI and then filled in a fictitious letter of authority backing up a PPI claim. Barclays don't want to know, since as far as they are concerned they have a customer's signed authority, even though a blind man would find the submitted signature to be very different from the genuine signature that should be in their records.

We have studiously ignored every text and email from Allay and they have recently passed on this 'debt' to AJJB Law a debt recovery firm. They have moved matters up the legal scale a bit and have sent a paper letter and multiple emails and texts threatening County Court action and a 'Letter Before Claim'. We replied to their letter strongly disputing their authority to take such action, on the grounds as set out above, which has so far had no effect. The Letter Before Claim has yet to materialise and we are thinking that their tactic is to threaten ever increasing legal action in the hope that we will pay up and they get a result.

The texts and emails amount to almost daily harrassment and we would like them to stop it immediately. If they want to take court action, they should send the letter and we are ready to see them in court. I have consulted with our local solicitor should a county court case become pending and their fees for representing us will well outweigh the claimed debt of £1,275, as incidentally will AJJB Law's fees and court costs. Any defence will therefore have to be by us.

I have discovered from other legal forums (Legalbeagles) that Allay have given two very similar cases a go in court and both were thrown out due to insufficient paperwork.

We would like to write a legal sounding letter to AJJB Law threatening them with legal action if they persist with these continuous texts and emails. Is that worth trying?
Thanks

[The Tech Clerk]

have you downloaded the click here hello letter?

[Joanna Connolly Solicitors]

Both posts above have 'here' as an active link to the Lantern portal, should a mod change that?

Thank you for flagging that up.

I have deleted the links on a just-in-case basis.

If the Mods want to restore the links that can be done at the click of a mouse.

I have many strengths but IT isn't one of them

Di

[Night Monkey]

Both posts above have 'here' as an active link to the Lantern portal, should a mod change that?

[The Tech Clerk]

Click xxxx to download your goodbye letter from Payday Express,


well this is not right as a lot of people do not have facilities to print/compute should be letters to customer, they are trying to save postage and printing?

[scottygees]

In which case does the emailed NOA "Hello" letter from Lantern mention the date of the assignment?

Di

no date of assignment mentioned. The email is as follows:


Welcome to Lantern Debt Recovery Services Ltd (Lantern).



We are writing to let you know that your Payday Express account (xxxxxxxx) has been sold to Lantern Debt Recovery Services Ltd (Lantern). The effect of this assignment is that Lantern now own the debt and will perform all the obligations stated in your agreement, which includes the collection of the outstanding balance.



Click xxxx to download your goodbye letter from Payday Express, please note you will need to enter your date of birth.



We know circumstances change and it can be uncomfortable talking about finances however, we are specialists in helping our customers find the right solution for them and we are here to help you.



We have allocated you a new reference number (shown above) which replaces any previous reference numbers you have had. Please use this in all future contact with us to help us identify it’s you and any payment made is allocated to your account easily. A statement of account will follow shortly, but if you believe any of the information we hold is incorrect, please let us know immediately.

[Joanna Connolly Solicitors]

thanks Di I have to log in to the payday express account to view the “goodbye” letter from them which I am loathed to do just in case it verifies me to all parties. I am pretty sure this has just been assigned.

In which case does the emailed NOA "Hello" letter from Lantern mention the date of the assignment?

Di

[scottygees]

You can never assume anything in law, but since you've sent a s77-79 CCA Request which has not been complied with this debt is currently unenforceable no matter who owns it subsequently.

Check the date of the assignment in case that NOA is referring to an historical assignment i.e. before you sent your CCA Request.

Di

thanks Di I have to log in to the payday express account to view the “goodbye” letter from them which I am loathed to do just in case it verifies me to all parties. I am pretty sure this has just been assigned.

[Joanna Connolly Solicitors]

received an email today from a company called Lantern stating Payday express have now sold them this debt. Can I make the assumption that AJJB will have now washed their hands of this after I requested the CCA

You can never assume anything in law, but since you've sent a s77-79 CCA Request which has not been complied with this debt is currently unenforceable no matter who owns it subsequently.

Check the date of the assignment in case that NOA is referring to an historical assignment i.e. before you sent your CCA Request.

Di

[scottygees]

Thanks for the quick replies. I will sit tight and see how things develop. Lantern will get no change from me